There is an old saying about history repeating itself if we are not smart enough to learn from it. This seems to be happening right now with regards to credit card debt levels in the United States. It was less than a decade ago that the great recession financially rocked the United States. Prior to the recession, things were cruising right along, economically speaking. And that means that credit card debt levels were pretty high. Of course, once the bottom fell out, all of that consumer credit card debt led to financial disasters for millions of American consumers. That same type of debt is rising to a level that is pretty darned close to pre-recession numbers. Take for example the closing of last year. In the final quarter of 2015, consumers racked up a sizeable $ billion in credit card debt. That number can be so hard to digest that it is difficult to understand how much debt affects the average household. When adjusted to…

Are you in need of some fast cash? Did a financial crisis arise that you cannot afford for whatever reason? This happens to everyone at some time or another and often people don't know where to turn for help. If you have a credit card, you can get fast cash online thanks to the cash advance feature. This feature allows you to obtain cash using your Charge Card and money can be obtained in a number of ways. Before you choose to use your credit or debit card for this purpose though, you need to understand what it entails, the fees which will be charged and what other options are available to ; How Much Can Be Obtained Using the Cash Advance Feature of a Credit Card? Before you go to take out a cash advance using your credit card, you need to know how much you will be allowed to borrow to ensure it is enough to cover the costs of the crisis. Some…

A credit card is a payment card issued to users as a system of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user. A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas…

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